Why do I need small business insurance?

A small business insurance policy allows you to combine public liability cover with employers' liability cover in one policy. When you get a quote with us, you have the option of adding employers' liability to your public liability cover.

Public liability insurance covers your legal liability to pay damages awarded to members of the public for injury, illness, disease, or damage to their property, sustained as a result your negligence.

Employers' liability insurance covers your legal liability to pay damages awarded to an employee for an injury, illness or disease which has resulted from working for you.

Do I need contractors' all risk cover?

Contractors' all risks insurance (also known as contract works insurance) provides cover for the cost of loss or damage to building works while you are responsible for them. It also provides cover for loss or damage to your plant machinery and tools.

What is included under tool cover with plant and materials insurance?

Tool cover with plant and material insurance provides protection against accidental and malicious damage, and theft at a contract site. Cover includes work in progress, your tools, and both fixed and unfixed materials on site.

What if my plant is hired-in?

Plant and materials cover is available for your own plant and any tools that you need to hire. You can specify the level of cover you need, based on the equipment you use.